All that said, we just met them in the middle and gave them the credit because we wanted it to be over.

Get a line of credit from a bank that leverages your equity without refinancing the properties.3.

There is a processing fee if you choose the credit card option, but a direct ACH has no additional charges.

Solar has an energy credit and Starlink is deductible as business expense. 

Besides the obvious credit, background, and income verification.

If my target would be low income residents, are there any grants, tax credits, or funds available to help me with the conversion? 

You could also get a line of credit for about $150k (you should be able to borrow 75% of the value.)The reason I suggest this is…1) you save $40-$60k in selling costs. 2) you have a lower blended interest rate (2/3rds at 3.25% and 1/3rd at 7 or 8% instead of the whole $500k at 7 or 8%) saving you another $1k/mo in interest. 3) you only pay interest on that $150k when you actually use it, not from day 1  Unless you hate this property, or want to buy something you can’t afford without selling, that would be my plan.

Take a look at the overall picture, i.e. credit score, debts etc.. to make a decision.

You can't run a credit/criminal without the social.

It is debt you are obligating yourself to and lenders and the federal government think of it that way.Missing a payment doesn't mess up your credit, but it does mess up your day when you get sued or prosecuted.